Regional Technical Manager - Chennai And Kerala - Chennai - Centennial Square - MM

Tata Capital; Chennai District; On-site; INR 800,000 - 1,200,000; Full time

Job summary

Tata Capital in India is seeking a technical valuations and collateral risk professional for the retail mortgage business. You will manage valuations, monitor evaluations, and coordinate with valuation agencies and government bodies to ensure accurate market insights and risk controls.

The role involves travel to property sites, building a robust technical policy framework, supervising a team, and delivering MIS reports to guide lending decisions and portfolio health.

Qualifications

• Graduate in Civil/Architecture with relevant field exposure.
• Experience in real estate collateral risk assessment is preferred.
• Willingness to travel to property sites for audits.

Responsibilities

• Identify and develop new revenue streams with builders and developers.
• Coordinate with valuation agencies and government bodies for market analysis.
• Monitor technical evaluation and ensure timely project approvals and monitoring.
• Manage risk across property types and identify high-risk areas.
• Develop technical policy and monitor delinquencies related to technical aspects.
• Oversee fraud controls and maintain property databases and market references.
• Scrutinize project approvals, monitor compliance, and update records.
• Analyze upcoming residential projects for fast approvals and funding.
• Travel to sites for audits and monitor collateral risk.
• Maintain MIS for technical evaluation and collaborate with legal on technical fronts.
• Support resale negotiations and portfolio health through feasibility and monitoring reports.
• Analyze risks across property, project, market, and developers.

Skills

Revenue growth

Relationship management

Market analysis

Technical policy

Fraud control

Project approvals

Vendor management

Team management

Field auditing

MIS reporting

Risk assessment

Education

Diploma/ Degree in Civil/ Architecture

Job description

Job Description

• To manage the valuations and collateral risk of retail mortgage business, technical audits and setting up standard processes\
• Monitor the technical evaluation process in the area/region., team handling, valuation of APF projects, and validation of valuation report beyond prescribed loan limit.

Core Responsibilities

• Identify & develop new streams for revenue growth and maintained relationships with Builders to achieve repeat business and chalk out ways to generate revenue.
• Liaison with valuation agencies, real estate developers and local government bodies for market analysis and market updations.
• Build and strengthen relationships with key builders/ developers and get project approvals on technical aspects and thereafter help monitor constructions status on periodic intervals. Organize and maintain such project database and provide periodic reports to management on activities and trends.
• Segment markets based on property types and identify properties with high risks or in negative areas (e.g. low-line, very low chance of resale, poor quality construction, old constructions areas etc.)
• Guide and develop "technical policy" and monitor the portfolio/ delinquencies related to technical aspects.
• Develop checks and process to control Fraud, built database and deduce for multiple funding or excess funding on properties e.g. circle rates, reference rates to credit team, database of properties under dispute as per securitization notices by different banks as public notices, properties under public notice/ court notice/ in tech agencies data base under dispute etc.)
• Scrutinize project approvals for the organization, timely monitoring and ensuring compliance on legal and technical aspects and their timely updations.
• Analyze new upcoming residential projects in the zone and facilitate its fast approval for advanced processing and funding.
• Travel to the various property sites and conduct property audits to analyze collateral risk and manage quality real estate portfolio of the organization.
• Keep track of the development in real estate market and its impact upon lending parameters, property valuations and other financial implications.
• Monitor market feasibility of project for industrial, residential, commercial or institutional project, periodically checking property documents and presenting bylaws violation as per plot size.
• Manage the vendors involved in the technical evaluation process.
• Train and evaluate the proficiency levels of the team on a regular basis while maintaining TAT targets for the technical evaluation process.
• Motivate and manage the team so as to ensure productivity and cost efficiency
• Work closely with the legal counterpart on the technical evaluation front.
• Carry out spot checks on a frequent basis and maintain an MIS related to the technical evaluation.
• Help collections tie-up with brokers and negotiate rates for resale of properties surrendered, takeover through legal process, or any other property bought rented by business.
• Help maintain a healthy portfolio through the preparation of feasibility reports, valuation reports, project monitoring reports and market surveys to gather data on the real estate market.
• Understand and analyze risks associated with property / project / market / developer and analyze exposure that can be taken.

Requirements

• Graduate ( Diploma/ Degree in Civil/ Architecture)